Insurance - money situation -

[PMKeates]

This is complete rubbish - fraud cannot be compared to speeding. Speeding is often victimless, fraud is never victimless.

Are victimless crimes not crimes? He decided to call people a criminal. A criminal is someone who commits crimes. Speeding is a crime. If he has ever sped, he is a criminal.

It is perfectly accurate.

Who is the victim in an insurance fronting with no claim? Just because someone takes out a fronted policy for £X, doesn't mean that otherwise they would have taken out a normal policy on the vehicle for £Y, and may instead have chosen a vehicle that is insured normally for £Z. If Y > X > Z, then the insurance company profits from this specific instance of fronting fraud. There is no victim, only people who gain.

Things aren't always as clear cut as they seem.

What colour was that advertised as anyway? Bile?

I think it was called **** you?

speeding and fronting aren't remotely similar, the standard consequences in case of an at fault accident are:

1.fronting = 6 points, cost of repairing your car, cost repairing the other parties car/property, cost of personal injury, legal costs, cost of injury to the other party, associated fine, increased insurance premium

2. speeding = 3 points, increased premium, associated fine

Totally irrelevant analysis. You decided to call someone who fronts insurance a "criminal", I accused you of being a criminal if you speed. Both are true. You cannot decide to not be a criminal because the consequences of your crime are less serious. I am not debating any of the points in your posts. I am simply stating someone who speeds is a criminal. Do you disagree? Do you speed?

This is very simple logic.

 

[[TW]Fox]

Who is the victim in an insurance fronting with no claim? Just because someone takes out a fronted policy for £X, doesn't mean that otherwise they would have taken out a normal policy on the vehicle for £Y, and may instead have chosen a vehicle that is insured normally for £Z. If Y > X > Z, then the insurance company is profits from this specific instance of fronting fraud. There is no victim, only people who gain

You are obtaining funds (In this case a saving on insurance) by deception. The policy you have should have cost more, but didnt because of deception to the insurer. If the insurer wanted the risk of a 19 year old on a 330i for £x, they would offer that as a premium. You forced them to take on this risk for much less than the amount they deemed the risk to be worth!

How can you not see this?

 

[Will Gill]

Totally irrelevant analysis. You decided to call someone who fronts insurance a "criminal", I accused you of being a criminal if you speed. Both are true. You cannot decide to not be a criminal because the consequences of your crime are less serious. I am not debating any of the points in your posts. I am simply stating someone who speeds is a criminal. Do you disagree? Do you speed?

This is very simple logic.

As you seem hell bent on clinging onto one small little pointin teh vain hope it will bolster your position then ill float your boat for you

if I speed I am breaking the law

quite how this helps your argument for being seen to approve insurance fraud I'm afraid escapes me, but more power to you

1.fronting = 6 points, cost of repairing your car, cost repairing the other parties car/property, cost of personal injury, legal costs, cost of injury to the other party, associated fine, increased insurance premium

2. speeding = 3 points, increased premium, associated fine

discuss

 

[PMKeates]

As you seem hell bent on clinging onto one small little pointin teh vain hope it will bolster your position then ill float your boat for you

if I speed I am breaking the law

Just want to make sure we are equal, my criminal brethren.

 

[Will Gill]

Just want to make sure we are equal, my criminal brethren.

if being equal means you having to drive a bile coloured car, actively endorsing and previously committing insurance fraud, driving at 70mph in a 30 and crashing without ASC then yep we are peas in a pod

 

[Duke]

 

[PMKeates]

Mine was pre-facelift

if being equal means you having to drive a bile coloured car, actively endorsing and previously committing insurance fraud, driving at 70mph in a 30 and crashing without ASC then yep we are peas in a pod

DSC

 

[Will Gill]

I dont really think that diluted my point much

 

[SGWills]

driving will always be a luxury unless it is passed by law that you have to drive, in terms of speeding and fronting both being crimes then to a certain extent you are correct, however if you are speeding because of a circumstance that is causing you to change your usual behaviour then fair enough, lying because you want something you can afford or believe is cost "stupid " amounts of money , then you are simple just lying, if you cant afford something then dont get it........................... or get a credit card to pay the bills

 

[stigggeh]

This is complete rubbish - fraud cannot be compared to speeding. Speeding is often victimless, fraud is never victimless.

I wonder which kills more people?

 

[Mucky_Pup]

I paid £1600 this year, I wreckon it will drop by around £400 as a best case scenario with another years no claims. So that it'll be £1200 next March, but... if I get some dodgey plates made up I can save that £1200 and put it all on black in Vegas.

 

[SGWills]

insurance companies see more people speeding so they amend how they rate upon it, you get caught fronting and the extreme cases they can withdraw insurance, which means driving without insurance *as a fronted policy is not a valid insurance* which means IN10 *driving without insurance* or IN20 *allowing someone to drive your car knowing they are not covered* offences which a lot of insurance companies dont cover


so insurance companies would prefer a SP30 than fronting


* discuss *

 

[[TW]Fox]

I wonder which kills more people?

Exceeding the posted speed limit doesn't kill people, crashing cars does.

 

[Tute]

There will be areas of a city which are cheaper to live in than areas outside the city. They wont be particularly nice areas, but we are back to the choice thing again...

We can go around in circles all day about living in poor/good areas, both in and outside of cities. But on the whole, property prices at the low end are cheaper outside of cities than inside them.

Of course, cheap property might well be cheap because it has poor access to public transport. What do you suggest then?

 

[[TW]Fox]

We can go around in circles all day about living in poor/good areas, both in and outside of cities. But on the whole, property prices at the low end are cheaper outside of cities than inside them.

I disagree. Inner city housing and larger not-that-great estates are cheaper than rural housing. Rural housing is generally nicer, and few people want to live in rough inner city areas. Not much is cheaper than inner city terraces and flats. Certainly not nice places in the countryside!

Obviously nice places in the city will be expensive, thats not my point.

 

[Tute]

There are cheap places to stay though. What about smaller towns and villages?

We pay £250pcm for a 2 bedroom flat. It's not in the most amazing condition but it's reasonable and the rooms are a decent size. I doubt we'd get the same in Exeter.

 

[[TW]Fox]

We pay £250pcm for a 2 bedroom flat.

What, total?! Eh?

You cant even stay in Uni halls for that little

 

[Tute]

That includes water rates, but other utilities are extra.

I see where you're coming from as properties tend to be of a bigger and better standard. But cheap housing does exist in rural areas. It's just a case of finding it.

I feel like we're going around in circles though.

 

[Trojan]

Exceeding the posted speed limit doesn't kill people, crashing cars does.

I wonder which is the cause of more car crashes, fronting or speeding?

There seem to be a lot of very hypocritical people on this board. If you're going to lambast people for breaking the law, try practicing what you preach and stick to the law yourself. Otherwise, live and let live

 

[lawz]

Interesting while I have never done this "fronting" I did add my Mrs on my policy as an extra driver which brought the price down by £100 !

Maybe some of you should just try that get your own policy but put your mum on it as a named driver.

If memory serves I have my mam and dad on my policy, perfectly legal to do so and drops the price by a few bob.

What, total?! Eh?

You cant even stay in Uni halls for that little

Pcm = per calender month = 4 weeks?

My uni halls range from 45 to 95 per week all inclusive depending on site/room type etc.

Previous shared house was 55 a week all bills included (except internet) but was a bit of a dump, current is 62 a week no bills included but is closer to the campus and far nicer. Though this is in Stafford so not really much demand, prices vary massively.